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Banc Investment Daily Archives

October, 2018

October 11, 2018  -  Fighting Export Finance Programs?

Maybe this year is the year to get a flu shot. Look no further than last year's data from the Centers for Disease Control that found last season's flu epidemic is estimated to have killed 80,000 Americans. That is the highest level in 40Ys. No matter what, protect yourself and your family this flu season by frequently washing your hands with soap and water, just in case.While not as bad, there are plenty of risks in banking too, so preparation is important. For example, export finance might seem risky to some bankers, yet, done properly it can benefit your bank...

October 10, 2018  -  Don't Fry Your Brain On Cryptocurrencies

Too much technology can fry your brain. At least that is what a new study seems to point out. Canadian researchers have released the results of a 10Y study on how children's brains develop over time and found kids that spend less than 2 hours each day watching screens scored better on cognitive tests than those who spent more time watching screens. Take care.As you ponder how much screen time you can handle, we continue our discussion on blockchain and cryptocurrencies, along with some tips to help safeguard your bank and customers. When it comes to digital wallets that some...

October 09, 2018  -  A Magnetic Regulatory Update On Blockchain

Did you hear about the team of scientists that created a massively strong magnetic field? Unfortunately, this group of Russian scientists also blew up their laboratory in doing so. Apparently, the field was a real scientific whopper!For a while now, bankers have been hearing about another scientific breakthrough known as blockchain. While not as exciting as a magnetic field perhaps, blockchain has been advancing too. But, how should community banks approach it today?One way to track whether and when it's safe to look at this technology is by monitoring the regulatory and legal world. These days, there's plenty to watch,...

October 05, 2018  -  The Latest News On ATM Attacks

The political scene has certainly become very toxic. We aren't going to ruin your morning by plunging into it, but we did find a recent survey on the subject quite interesting. A Pew Research survey found a whopping 68% of Americans surveyed said the news media favors one side when covering political and social issues; the same percentage lacked confidence that news organizations would be willing to acknowledge any mistakes made. No matter the news going on around us, as bankers, it is part of our job to stay on top of the latest ways criminals try to steal money....

October 04, 2018  -  Ubiquitous BSA/AML

Sadly, Pew Research finds a whopping 59% of teens in this country say they have been bullied or harassed online and have experienced abusive online behaviors. The top three forms of cyber bullying include offensive name calling (42%), spreading false rumors (32%) and receiving explicit messages they did not ask for (25%). Be alert parents!Social media has become ubiquitous in everyone's lives and BSA/AML has done the same in the lives of bankers. We have mentioned this before, but it is worth repeating - thanks to advanced technology and rising government mandates for fighting money laundering, Anti Money Laundering (AML)...

October 03, 2018  -  Capturing More Business Customers

As Halloween gets closer, we share that the candy corn was invented way back in the 1880's and was originally called "chicken feed". Today, the candy corn is 3x the size of an actual corn kernel and 35mm pounds of candy corn are sold each year. That is certainly sweet indeed!As kids soon flood into the streets with bags in hand seeking to capture the best Halloween candy, we are reminded that bankers are always looking to sweeten their business too by capturing more small business clients. According to a recent survey, one in five small to medium...

October 02, 2018  -  A Refill on Disaster Reminders

All things old become new. If you are old enough, you may remember the refillable milk bottles back in the day. Well, now you can refill your beer bottles in Oregon. Specially formulated refillable beer bottles are being filled, returned, cleaned, and filled again by seven breweries. As the breweries scale up, cost savings are expected and customers could benefit from lower prices. Stay tuned to see if it catches on elsewhere.Community bankers have more to worry about than refilling their beer bottle though when it comes to natural disasters. Hurricanes and tropical storms are also problems that aren't going...

October 01, 2018  -  Passwords That Won't Make You Ill

You have probably seen people sitting on planes wearing masks to protect others or themselves from illness. Pollution in some cities worldwide is also a problem. That is why we were intrigued by a new invention known as breaze. You charge it up each night so its fans and filters can work all day as you go about your business. Who knows if this will take off, but it might help people stay healthier perhaps.On the banking front, the focus is always on keeping healthy, particularly when it comes to cybersecurity. Given October is National Cybersecurity Month, we wanted to...

September, 2018

09/28/2018  -  High Tech Yet High Touch Recruiting

There have been some really interesting inventions this year. One that adds a new member to your family is known as Temi. This $1,500 robot runs around the house with you or your family as you do things during the day. It is intelligent, mobile and links to and leverages smart home devices, online content and video communications and is driven by your voice. Temi can turn on lights, order pizza, play music, make a video of what you are doing and call someone on its screen so you can talk to them.While Temi may not yet do everything banks

09/27/2018  -  How To Keep Your Core Healthy

Siemens Healthineers is using artificial intelligence (AI) technology to try to predict how a heart responds to therapy. The idea is to get better diagnoses by simulating well in advance how patients will react best to which therapy. By capturing scans, pictures of the heart and tons of patient data, they are able to create a digital heart that can be compared to real outcomes. This is pretty interesting new technology and we hope it works out well. As bank technology ages, many are faced with a choice: should you keep your older mainframe going, replace an older mainframe with

09/26/2018  -  Rolling Forward On Exceptions

Segway, the company that brought you the self-balancing scooter back in the day, has now ventured into roller skates. You simply jump on the skate without strapping in your shoes and off you go. They have 45 minutes of drive time on one charge and have a single wheel design. This could be the replacement for the hover board perhaps.As you roll forward through your day today, we delve into various ways banks are increasingly automating their way to greater efficiency, with a closer look at managing exceptions. For many community banks, the tedious task of managing exceptions is still

09/25/2018  -  Doggedly Engaging With Customers

It takes a lot of work to keep your teeth clean. Most people use a plastic toothbrush, but a new startup is now offering a disposable variety made of recycled paper. This approach in theory will mean less plastic in landfills worldwide and it reportedly looks, feels, and works just like the plastic variety. It looks like plastic toothbrushes may eventually be going to the dogs...you have to love human ingenuity.In the banking industry, there has been a ton of change and ingenuity as well. One area in particular where this has occurred has been in mobile banking. As the

09/24/2018  -  Advancements In The Fintech Race

People all over the world are rejoicing the fact that an underwater autonomous drone using vision based technologies and artificial intelligence is out there hunting a specific kind of coral killing starfish. Humans have been doing this, but now this drone can do it 24 hours a day 7 days a week so it is much more effective. Good news for coral and reefs.This sort of technology is interesting and similar sorts of technological advancements are happening in the banking space. While not of the underwater variety, our fintech world means banks are racing to keep up. During the first

09/21/2018  -  Don't Fall Asleep On Online Games

Researchers have found that people who nod off during the day are more likely to develop dementia. It seems falling asleep when you are supposed to be awake is a sign of having too many beta amyloid proteins in the brain (3x as many as those who stayed awake). These proteins have been found to trigger dementia. As you jolt yourself awake this morning, we shift our focus to online gaming. If you've ever played a free online game, you know that in most of them, players need resources to advance through the game. Those who play lots of online

09/20/2018  -  Don't Bite Your Nails Over New SMB Offerings

How crazy is it that a woman who reportedly made it a habit to bite her nails had to have her thumb amputated after developing cancer. It seems the young woman of only 20 had contracted a rare form of skin cancer. Doctors say the chronic trauma and inflammation of biting her nails likely led to the skin cancer.For community banks, small business customer habits can also be a struggle. Between navigating separate platforms for banking, enterprise resource planning, human resources, and accounts payable, your small-business banking customers have a lot on their plates. As such, perhaps your bank could

09/19/2018  -  Long-Living Benefits Or Not?

A new study by the National Institute on Aging finds mice who fasted between meals lived longer and were healthier than those who snacked during the day. Even more interesting perhaps, the mice that lived the longest and were the healthiest ate only one single meal per day. This all runs counter to common understanding of what many consider to be human healthy habits, so more analysis will likely be forthcoming.No matter what you eat or when you do so, it usually requires reviewing some options. In banking, it is important to review options when it comes to employee benefits

09/18/2018  -  Healthy Takeaways From FinCEN Awards

Leave it to researchers to take away yet another dietary product people think is healthy. A study from Israel finds probiotics believed to be good for digestion and health, may not be all they are cracked up to be. The study found in 50% of people tested, the good bacteria from the probiotics went in the mouth and straight out the other end. In the rest, the good bacteria hung around briefly before being pushed out by existing microbes. As bankers, we know many things can give us discomfort and that hindsight is often 20/20. So, today we provide some

09/17/2018  -  Recovering From Competitive Merchant Services

In a good news story, Bloomberg is reporting that the Great Barrier Reef is now showing signs of recovery, following a mass coral bleaching back in 2016. A milder summer along with huge coordination among public and private enterprises has apparently turned the tide on this issue. For our scuba diver readers and ocean lovers, this is refreshingly good news.Many community bankers we know now feel refreshed and in full recovery mode too following such strong economic activity. That said, many also say they continue to struggle in the battle vs. the fintechs.For some time now, fintechs like Square and

09/14/2018  -  Swimmingly Successful Social Media For Bankers

Sharks are normally really scary with all of their big teeth and ferocious appetites. But, consider a variety of shark known as the bonnethead that appears to be vegan! Yes, you heard us right - this shark eats seagrass from the bottom of the ocean and avoids other animals entirely. It is truly strange and obviously nothing for humans to fear.As that swims around in your brain, let's shift gears to a discussion on social media marketing by community banks. An ABA survey finds 76% of banks (95% of which had assets under $10B) believe that social media

09/13/2018  -  Lighting The Way To Optimize Branch Hours

A study by the University of Cambridge in the UK has found a way to split water into oxygen and hydrogen by mimicking photosynthesis in nature. The approach is scalable, so it is great for usage worldwide, as it both collects and stores energy in a much bigger way. This one looks like an interesting advance.In banking, technology and customer behavioral changes are driving changes to branches. Today though, most community bank branches have regular hours, but customers not so much. So, while one branch might have a steady daily stream of customers lining up for tellers, another might have

09/12/2018  -  Keeping A Happy Face With AML Tips

Goat yoga is all the rage, but we weren't expecting it to take goat research in another direction. A university in the UK did some research and found goats not only respond to human facial expressions, but also prefer smiles to frowns. It seems 51% of goats tested approached a happy human face first, while 30% went to the angry face. The remaining 19% did not seem to care. While not directly goat related, the average community banker would likely say BSA/AML (AML) compliance has become brutally tough over the years. Things are so tough now that many employees and

09/11/2018  -  Spraying A New Card Design

Engineers at MIT have done it again. This time around they figured out a way to get sprayed droplets to stick to whatever the target is. The issue they were trying to solve was that typically less than 5% of sprayed liquids actually stick to the target. The solution was surprisingly simple. Just spray the bigger drops through a fine mesh to break them into smaller ones, about one thousandth in size. The smaller droplets stick better when they land, thereby solving this problem. This approach has practical applications in painting, agricultural pesticides, among others. The impact of this interesting

09/10/2018  -  Vacationing From Self-Storage Lending?

Researchers at the University of Helsinki have found that taking more than 3 weeks of vacation each year may lengthen your life. The more than 40Y study found that people who took less than 3 weeks off in a year were 37% more likely to die than those who took more than that. This could be a good reason to extend your vacation time this year.As you calculate how many weeks of vacation you have already taken this year, we point out that Americans rarely add up the number of trinkets they collect on these vacations either.Between moving, collecting, inheriting,

09/07/2018  -  The Impact Of California's New Privacy Law

Scientists have published a paper that finds long before the age of dinosaurs, a huge volcanic eruption that lasted for 1 million years wiped out the ozone layer, 96% of marine life and 70% of terrestrial species. Life that lived on land took 10 million years to recover from this extinction event that was more impactful than the one that killed the dinosaurs millions of years later.To community bankers and businesses operating in states throughout the country, worries over the extinction of personal privacy have led to a bevy of legislation lately. Add to the list CA, which passed the

09/06/2018  -  Authenticating Companion Deposit Accounts

In an interesting technology advance, Microsoft said it will now allow users to sign onto their accounts using its Authenticator app and an Apple Watch. No password is needed and authentication can occur right from the person's wrist. New things keep popping up in the technology world and the same could be said about interest rates in the banking world. In fact, now that interest rates are on the rise, people naturally are looking for a greater yield on their deposit accounts. Interestingly, the data shows people seemingly don't want to lock up all of their money to get a

09/05/2018  -  Eavesdropping On Biometrics

Well, it seems you just cannot get any privacy these days. Researchers appear to have found a way to reveal the contents of a remote screen by using what is known as a side-channel attack. These researchers used machine learning with audio picked up by computer microphones to get sensitive information from the remote screen. The audio was from emissions leakage of the electronic components of the LCD screens. This type of audio eavesdropping goes to show how far machine learning has come! We are not sure it will help much in this regard, but the world of

09/04/2018  -  Selfie Stickers and Happy Millennials

To keep employees happy, it makes sense for management teams at community banks to keep an open mind. That is why we were amused to see Google has launched a new way for people to create a sticker version of themselves using selfies. The feature uses artist illustrations with machine learning, neural networks and other fancy tech. With these selfie stickers, you can customize face shape, hairstyle or other fun options. Enjoy this, as you test it out with employees and customers, perhaps.As you think about this, we point out that you don't need a sticker to know

August, 2018

08/31/2018  -  Don't Let The Customer Experience Crumble

Cookies in the technology world are messages that web servers pass to one another when internet sites are visited. They don't taste nearly as good as your favorite, freshly-baked cookie though. That said, since the EU passed the General Data Protection Regulation (GDPR), the number of third-party cookies in use has dropped 22% on European news websites. The law has clearly taken a huge bite out of those cookies. The data shows customer privacy is serious business worldwide and it will only get more difficult in the future. This is especially true when you consider the high level

08/30/2018  -  Slithering Cyberthreats

A study in Ecology and Evolution Journal finds a potentially scary situation. Researchers testing DNA from pythons in FL have found 3% of the snakes carry genetic markers that could create a "super snake" interested in moving from the swamps to higher dry ground. That is a potentially risky situation slithering around.Some technology researchers might say yet another risky situation developing in and around banking might be the Internet of Things (IoT).Look no further than a report jointly issued by the Department of Commerce and Homeland Security. It warns of the risks created by the increasing number of

08/29/2018  -  Digital Security, Youth And The Who

SBA data points out that 28mm small businesses in the US accounted for 54% of all US sales and produced 67% of net new jobs. Community bankers provide huge support for this key customer group. So, keep up the wonderful work in your own community, no matter where you are in this great country of ours.People seem to ask from time to time what is going to happen to banks given so much digital activity is swirling around. To gain a better understanding of the forces at work, we point out that digital literacy improves with youth. This

08/28/2018  -  Ensuring Your Mobile App Gets A Thumbs Up

People are so active online that businesses and banks alike must continue to adapt. For example, research by reviewtrackers.com finds while 53% of customers expect a business to respond to negative reviews within a week, 63% who left such reviews said the business never responded. That is just crazy when you hear 94% of people say a negative online review has convinced them to avoid a business. Data is easy to get and switching businesses is so easy, you have to wonder whether it is really any surprise that people are doing so more frequently. As people become increasingly reliant

08/27/2018  -  Bank Surveys And Technology Priorities

Survey teams are constantly quizzing small businesses in an effort to gain insight. A survey by Infusionsoft finds the top two digital marketing priorities for small businesses are driving sales (51%) and building brand awareness (48%). Maybe there is an angle here for community banks to help small business customers, particularly when you consider a whopping 62% of those businesses said they either don't know or did not think their marketing efforts were effective.As you think about the best way to target your small business clients for the rest of the year, we provide a discussion of the results from

08/24/2018  -  Are You Robbing Effective Time Management?

You have to love the British. It seems a robber who stuck his finger in the pocket of his jacket and pretended to have a gun did not get the response he intended. Instead, a couple of businesses he tried to rob called his bluff and told him to get lost. After trying a few times, he now spends time sitting in jail. In the business world though, there are many things to shackle a CEO's time. On this matter, we found a Harvard Business Review CEO survey interesting. It tracked how CEOs spent their time, in 15-minute

08/23/2018  -  Jaw-Dropping High Marks With New Rule

You probably saw Facebook's stock tank after reporting weaker than expected revenue growth in Q2 and warning of a slowdown for the rest of the year. The stock sank 19%, dropping more than $100B in a single day. Besides being the biggest single one day decline in US history, it was also larger than the total value of Costco, Lockheed Martin, Starbucks, CVS, Lowes and others, according to Bloomberg. While maybe not quite as jaw-dropping, community banks are on track to comply with FinCEN's new anti-money laundering (AML) beneficial ownership rule, according to a survey by ARC Risk

08/22/2018  -  Will Cannabis Businesses Be Flying High?

Well it looks like Amazon won't be the only player in the drone delivery business, if all things work out. Now, Airbus has jumped into the act, with an automated delivery drone service that it has dubbed "Project Skyways". The drones land on specially-designed parcel stations that have a robot inside. The robot senses when a package is dropped off or delivered to the station and either loads or unloads it automatically. Who knows where all of this goes, but it is certainly interesting.Another area of interest that banks are monitoring is all about cannabis. Local municipalities are trying to

08/21/2018  -  Surfing Through Fee-Free Options

Elon Musk sure seems to have an active mind. He has rolled out limited edition hats, flamethrowers and other things that seem to have nothing to do with his primary business activities. Given it is summer perhaps, he has now announced Tesla is selling limited-edition surfboards for $1,500 each, and they are so amazing looking that they have already sold out. We wonder what he will think up next.As you think about catching a big earnings wave this year, we zero in to alert you about how some big banks are bowing to pressure from fintechs and offering fee-free mobile-only

08/20/2018  -  No Way To Disconnect From CECL Readiness

A Pew Research study highlights something you already know. When you go online you are likely to be harassed, so prepare yourselves. In fact, a whopping 41% of adults say they have been harassed online and 66% say they have seen it happen to someone else. It looks like if you want to stay sane, disconnecting now and again can be a good move.Unfortunately for community bankers, it is impossible to just disconnect from the world around you, as the Current Expected Credit Loss (CECL) standard draws closer. So, banks are trying to ready themselves for the change. According to

08/17/2018  -  Resolutions And Flat Yield Curve Opportunities

It isn't anywhere near year-end right now, but that doesn't mean people aren't still working on their resolutions. Statista found earlier this year, people said their top resolutions were to eat healthier (37%), get more exercise (37%) or save more money (37%). If these are on your list, we hope you are making some progress at this point in the year. Shifting our discussion today to the markets and opportunity for bankers, things definitely are booming out there. Business is good and rates are rising, so profits are too. The Fed has slowly raised short rates, but longer maturities have

08/16/2018  -  Studying Bill Pay Opportunities

When high school kids head off to college, they often ask their parents and friends what sort of degree might make sense. That is why we found research by the National Center for Educational Statistics interesting. It looked at the most popular majors for bachelor's degrees and found the top ones were business (19%), health professions (11%), social sciences and history (9%), psychology (6%) and biological and biomedical sciences (6%). You might also be interested to find out more about how people are using bill payment these days. About $4T changes hands every year when consumers pay their

08/15/2018  -  New Farm Bill Stimulates Ag Lending

People love to drink coffee. Look no further than a survey by the National Coffee Association that finds 64% of Americans age 18Ys or older drink a cup of coffee a day. Interestingly, 79% did so at home, while the rest went to a caf? or some other location.As you sip your coffee this morning, we point out that community banks are not only the backbone of banking, but also the backbone of farming as well. After all, community banks provide 75% of all agricultural loans to American farmers. It is little surprise then, that many community banks are supporting

08/14/2018  -  Treasury Insights For Community Bankers

Is there anything anywhere that Amazon isn't into yet? This list certainly seems small, as they have announced a partnership with Marriott hotels. Amazon plans to drop an Alexa into every room to act as a personal assistant for weary travelers. That's right, guests will soon be able to order room service, get dinner recommendations, call housekeeping, and do other stuff simply by asking Alexa to do it.Speaking of speaking, we speak to a lot of bankers about their digital offerings. It seems that corporate CFOs aren't that much different from small business banking customers. Both are increasingly

08/13/2018  -  Don't Be Afraid Of Growing Your Cheap Deposits

People can be real fraidy-cats. At least, that is, if you believe a UK study on the percentage of adults who are afraid of the dark. Amazingly, the study found 64% of adults said they were still afraid of the dark, 67% don't like turning out the lights before jumping into bed and 36% said they regularly get the feeling that something or someone is in the room with them. That last one is creepy, so we are glad it is morning.In banking, no one is afraid of taking deposits or making loans, but that doesn't mean competitive pressures aren't

08/10/2018  -  Wrestling With Cybersecurity Insurance

You may not know it but wrestling is considered to be the oldest competitive sport on the planet. It reportedly shows up on cave drawings dating back to 3,000 BC and in the Olympics around 708 BC. That is certainly an old sport, if not the oldest.Today we focus on how community bank technology teams are always wrestling with hackers who are working to take them down. Hackers seem to constantly find new ways to break into computer systems, so countermeasures are constantly evolving. This is an evolutionary cage match and neither hacker nor banker shows any signs of slowing

08/09/2018  -  Exploring Wearable Payment Devices

Research published in Nature Communications finds oxygen can now be extracted from water in zero gravity using star light and a semiconductor. This amazing discovery seems to provide a way for humans to take long space flights. So, suit up and get ready everyone!As you think about traveling to distant stars in the future, we bring our community bank readers back down to earth this morning as we delve into how wearable payment devices are gaining traction with some examples and discussion.Take, for instance, ABN Amro's Kerv payment ring. In early testing of its device, ABN Amro found

08/08/2018  -  The Cost of M&A

Let's face it - things cost money. Look no further than upper education. On the good news front, the Census Bureau reports 33% of Americans 25Ys or older have completed a bachelor's degree or higher vs. about 17% back in 1980. Since the data shows college educated people earn more than others that is good for the country. As for the bad news, consider that over the same time period, education costs have soared over 1,000%. It sure makes one think about the return on investment (ROI). When it comes to financial institutions, management teams, boards and investment bankers are

08/07/2018  -  Training, Trust And Hedging

We thought it was interesting that CareerBuilder research found 58% of managers say they did not get any management training, and a survey by Harvard Business Review finds the same 58% say they trust strangers more than their own boss. This probably isn't the case at your institution, but training and trust are clearly very important. So, these might be worth a second look.Banks are constantly tweaking their product and service offerings in response to competitors and market conditions. Right now, this is especially true, given that short-term interest rates are rising, but longer ones seem to be barely budging.

08/06/2018  -  "Moo-ving" Through Customer Episodes

You ever wonder about the person working just down the hall from you? Sure they are a colleague and very nice, but something sees a bit off too. After probing a bit more, you realize you have finally put your finger on it. They appear to be among the 7% of Americans who believe chocolate milk comes from brown cows or even worse the 485 who said they had no idea where it comes from! Moo.As you work each day to capture more customers, perhaps a discussion around chocolate milk with prospects (including a cookie) might be a great ice

08/03/2018  -  Addicted To Supporting SMB Global Growth

Did you know that we are all so addicted to all things internet and social that 77% of us go online at least daily? That is just one finding of Pew Research that also found 26% of us go online almost constantly, 43% do so several times a day and 8% check things out 1x per day. As you think about your marketing efforts to capture and retain customers, this data is no doubt helpful, we would imagine.While many small and mid-sized business (SMB) customers of community banks most often focus within their geographic region, an increasing number

08/02/2018  -  Racy IT Spending Mistakes

A new survey by EdenFantasys looked at how prevalent sex is in the workplace. What - good morning! Now that we have your attention, the survey found 14% of people say they have had sex at their place of work and of those, 19% have been caught doing so. While 44% have had a workplace romance, 70% of those said they hid their fling from coworkers and bosses. Finally, while 60% of all work relationships have ended in a breakup within 1Y, 25% of such relationships ended in marriage. Have fun out there, but not too much - at least

08/01/2018  -  Craving Check Writing Customers?

It is well known that many Americans are just not healthy and that shifting habits are a big underlying issue. The Department of Health and Human Services (HHS) finds only 33% of kids are physically active every day and spend more than 7.5 hours daily in front of a screen. Meanwhile, there is a 25% adult obesity prevalence rate in 32 states now. Staying healthy takes work. But it also makes you feel better, so good luck to everyone. It is also well known that checks are going the way of the dinosaur. Interestingly though, while digital banking is pushing

July, 2018

07/31/2018  -  Connecting With Reliable Data

Earlier this year, Pew Research did some work around social media. Since community banks want to stay connected to customers, we thought you might like to know a few things here. Americans use YouTube (73%) and Facebook (68%) the most, then Instagram (35%), Pinterest (29%), Snapchat (27%), LinkedIn (25%) and Twitter (24%). By age though, younger Americans (18-24Ys) use YouTube (94%), Facebook (80%), Snapchat (78%), Instagram (71%) and Twitter (45%). As is supported with the above, there's no denying that data has always been an integral part of the banking industry. Unfortunately, as it turns out, the data that many

07/30/2018  -  Is There "A Home" For Internet-Only Branches?

The Urban Institute found millennial homeownership is only 37% at this point, a whopping 18% below the level of Gen X and boomers when they were the same age. Reasons vary, but include: getting married later in life (30% later); holding off on having babies by 32% (a driver of homeownership); renting in more expensive locations (down payment takes longer) and holding more student loan debt (46% of graduates back then vs. 75% now). As you figure out how to get this cohort as a customer, it always helps to have some raw data to lean on.Banks are always seeking

07/27/2018  -  Antibacterial Account Opening Takeaways

People are weird about germs at times. We looked at what people do in bathrooms to avoid germs and found: 64% operate the flusher with their foot, 60% use paper towels to open the door, 48% open and close the door with their butt and 39% use their elbow to avoid all contact. Think about that the next time you go to the loo.The good news for bankers is that customers don't exhibit nearly as much strange behavior when they open new accounts. In fact, customers that can open new accounts easily and relatively quickly are more loyal and usually

07/26/2018  -  Smartphones And Construction Loan Efficiencies

As pointed out yesterday, almost everyone checks their smartphone when waking up or just before going to bed, and few are successful at limiting their usage. To help, the same Deloitte research finds top ways people try are: keep phone in handbag or pocket while meeting people (38%), turn off audio notifications (32%), keep phone in bag or pocket when alone (27%), delete apps (26%) and turn off phone at night (26%). Hope this helps.When it comes to construction lending, there are other tips that can help even those bankers who are tied to their phones. As any banker involved

07/25/2018  -  Smartphones And Customer-Centric Pricing

Perhaps not surprisingly, Deloitte research found people on average check their smartphone 47x per day and more than 80% do so within 1 hour of getting up or before going to sleep (35% do this within 5 minutes). What's more, almost half of people have tried to limit their smartphone usage in the past, but only 30% actually succeeded. Your customers too, surely are heavy smartphone users, but that aside, bankers are always trying to figure out how to better attract and retain the most profitable customers. The latest way has banks switching from product-centric pricing to customer-centric pricing driven

07/24/2018  -  Traveling Through Supermarket Branches

Summer is here and people are thinking of traveling. That is always fun, but it got us thinking about whether there are any angles around this to think about. We uncovered research by Expedia that finds boomers travel 27 days per year or about the same as Gen X at 26 days. Interestingly, millennials travel 35 days per year. By type of vacation, most boomers do so to visit family (67%), compared to relaxing for Gen X and millennials at 51% and 55%, respectively. Have fun out there this summer!As you travel, you will certainly casually note any bank branches

07/23/2018  -  Time for Telecommuting?

Data by Funders and Founders finds people live on average 78Ys and like dogs and cats, we spend most of our time sleeping (36%). Rounding out the other major ways we spend time: working (13%), social networking, TV, video (12%), doing chores (8%), eating and drinking (5%), education (4%), grooming (3%), shopping (3%), child care (2%), & commuting (2%). Now you know, so spend your time wisely!While commuting doesn't take much out of your life, it is still important to think about, as the workplace changes and telecommuting becomes more prevalent. Consider this:A perk most want - A

07/20/2018  -  What Matters Most In Open Banking

We were intrigued by a Hill Holiday study that looked at what matters most to single women, ages 30 to 45. It found the biggest life milestones they wanted were: living on their own (44%), establishing a career (34%) and financial security (27%). We will let you think about and discuss this data, to draw your own conclusions. But, it is interesting. Speaking of interesting things to customers and banks, today we tackle the topic of Open Banking. This concept revolves around the idea of "opening up" access to banks using software programs called application programming interfaces (APIs). The

07/19/2018  -  Don't Play Games With Your Lenders' Time

Online gaming is a big business. Look no further than a survey by the Game Developers Conference that found the top 5 platforms where game developers are currently working are: PC (60%), smartphones/tablets (36%), PS4/Pro (30%), Xbox One/X (26%) and Mac (20%). Game on.Of course, we don't know any community banks that play games when it comes to expanding their loan opportunities with businesses, no matter the lending platforms or approach.As some quick background, the Fed reports US banks extended $2.1T in loans to companies as of Feb 2018. Commercial lending remains an essential offering for community banks, so making

07/18/2018  -  No Mistake In Mentoring Your Business Customers

A survey from Bankrate asked people to list their biggest financial mistakes. The findings were interesting, with the top position of "not saving enough for retirement early enough" at 22%, closely followed by "none" at 20%. Rounding out the rest of the top 5 is: not saving enough for emergency expenses (16%), taking on too much credit card debt (9%), and taking on too much student loan debt (9%).Everyone makes mistakes, which is why bankers seeking to perhaps learn from errors of the past should find our discussion on mentoring/advising small business owners pertinent.All bankers want to keep earning the

07/17/2018  -  Taking The Bite Out Of Chatbot Confusion

We thought it was interesting to hear the successful Shark Tanker, Mark Cuban's top reason why people fail in business. In his own blunt way he said it was due to a "lack of brains and lack of effort." He pointed out that competition was extreme everywhere, so only those who do the hard work day in and day out, to know more about their industry than anyone else, will win.As you ponder that this morning, we share some work we have done to help you better understand chatbots and the way banks are using these tools to improve the

07/16/2018  -  Paranoid About Chatbots?

Paranoia used to be a term relegated to the world of psychiatry, but now it is estimated that up to 15% of the general population has some paranoia regularly. This can range from the mild (thinking others disapprove of you) to severe (evil forces are against you). Studies based on twins show this can also be both genetic (abnormal activity in the amygdala) and environmental (trauma). You are not paranoid though if you think chatbots are coming.What are they? These "virtual assistant" computer programs are designed to help humans do something faster using a more conversational way of

07/13/2018  -  Getting Them While They Are Young

Rock star Spencer Dryden once famously said, "Get them while they're young and bend their minds." While the Jefferson Airplane drummer was most likely talking about getting teenagers of 50Ys ago to enjoy the musical stylings of "White Rabbit", the concept of winning over young people has broad applications for banks today as well. Time and again, research has proven that by cultivating relationships with young consumers, financial institutions gain customers for life.However, the importance of appealing to these emerging customers has grown mightily as the youth market is wielding more economic muscle than virtually any other demographic. The 80mm

07/12/2018  -  Fishy CNP Fraud Rising

Along the lines of how ridiculous people can be, we recently covered a story on hot dog water, and today shift to one on fish pedicures. Some believe that putting your feet in a tub full of "doctor fish" that nibble at your dead skin increases circulation and provides you with smoother feet. We don't know. But judging by the picture here, it is as crazy as drinking used hot dog water, if you ask us.Speaking of crazy things in banking, look no further than what has been going on in the five years since EMV (Europay-Mastercard-Visa) chip cards were

07/11/2018  -  Flying Through Video Banking Demand

After pondering how spiders can fly without wings, biologists did some testing by creating an electric field at strengths found in the atmosphere. They found spiders responded by spraying out silk in a fan-like shape and then got airborne. It is believed riding atmospheric currents is how spiders travel worldwide when there is no wind. Electrically charged flying spiders is truly amazing, but to bankers, it may pale in comparison to video banking. Over the past few years, banks have slowly been warming up to the idea of adding video banking to their array of services. The data shows there

07/10/2018  -  Reviewing Core Provider Conversion

New research reveals that a moderately positive review is actually more impactful than a glowingly positive one. People seem to think that the moderately positive review is written with more thought and precision than a top rating. As you ponder this, we wonder how bankers might rate their core systems.Many community banks have legacy systems dating back to the 1980s, some even older. After all, customers are used to the interfaces on these cores and there are only so many options out there anyway.To try and keep updated over time, banks have bolted new functionalities onto their legacy core, or

07/09/2018  -  Assessing The Pool Of Creditworthy Millennials

As the summer heats up, we wanted to remind you of key rules when using the pool: Don't drink the water, don't run, don't dive into shallow water, watch out for uncovered drains, hydrate and don't pee in the pool. Most of these are pretty standard, but sometimes you need to revisit standards to improve on them.Speaking of standards, the credit crisis in banking taught us the old standard of using credit scores as the be-all-end-all might not be everything it was cracked up to be. When it comes to rating creditworthiness for a loan, a high credit score (like

07/06/2018  -  Using Your IQ To Fight Cybercriminals With AI

Measuring intelligence in humans can be a tricky thing. After all, some people you know might be book smart, some are street smart and some are just wicked smart. The intelligence quotient (IQ) is a score that comes from various standardized tests designed to assess overall intelligence in humans. The IQ median raw score when developed was 100 and scores move based on standard deviations around that number. In short, about 67% of people score from 85 to 115, while 2.5% score above 130 and 2.5% score below 70. As you ponder where you might score and where that genius

07/05/2018  -  Traveling Through Biz Checking Account Success

As you ponder where to travel this summer, we found it interesting that the Organization for Economic Cooperation and Development (OECD) researched countries worldwide to try and figure out those that have the most native born population living abroad. At the top of the pack it found Ireland (18%), followed by New Zealand (14%), Portugal (14%), Mexico (12%) and Luxembourg (12%). Meanwhile, those with the least living abroad were China (0.3%), US (0.5%), Japan (0.6%), Brazil (0.7%) and Australia (2%). To keep existing customers from traveling to a competitor in banking, there are some things to keep in mind. Consider

07/03/2018  -  Recent Internet Crime Report Is No Distraction

Globally, 45% of adult smartphone users say they worry they are too connected to their phones, according to Deloitte. The same percentage says that they try to limit their phone usage in various ways. Of note, some 67% of 18 to 24Y olds say they use their phone too much. It looks like most people worldwide need to work on decreasing their smartphone distractions. In banking, there is a lot going on well beyond simple distraction when it comes to cybercrime. In fact, a recent report by the FBI's Internet Crime Complaint Center (IC3) provides stats and examples

07/02/2018  -  Bottled Hot Dog Water And Cloud Computing

I bet it never crossed your mind to drink hot dog water! Well, by now you have certainly read that a man in Canada sold hot dog water in a bottle for $38 and a bunch of fools bought it! His goal was to prove a point about false advertising and it worked, as he claimed this gross water had health advantages such as weight loss, increased brain function and general vivacity. Now, we haven't seen cloud computing bottled yet, but given the success with hot dog water, some companies may be trying to do so soon. For bankers looking

June, 2018
May, 2018
05/01/2018  -  A Taste For C&I
April, 2018
March, 2018
February, 2018
02/01/2018  -  Shopping For Fraudsters
January, 2018
01/22/2018  -  Movement For State Charters?
01/19/2018  -  Faster Employee Feedback
December, 2017
November, 2017
October, 2017
September, 2017
August, 2017
July, 2017
June, 2017
06/06/2017  -  Driving Away Synthetic Fraud
06/02/2017  -  R-E-S-P-E-C-T
06/01/2017  -  Re-envisioned Branches
May, 2017
05/22/2017  -  Faster Business Speed
05/19/2017  -  Of Growth And Efficiency
April, 2017
March, 2017
February, 2017
January, 2017
01/03/2017  -  The BID Process
December, 2016
12/28/2016  -  Fast Forward Technology
12/08/2016  -  Bank Compensation Wakes Up
12/07/2016  -  Snowballs and Biometrics
12/06/2016  -  Flying Water Bottles
November, 2016
11/18/2016  -  Put A Ring On It
11/10/2016  -  Recruiting Customers
11/09/2016  -  Small Businesses
11/08/2016  -  Stronger Digital Or Personal
October, 2016
10/21/2016  -  Paperless Reserves
10/19/2016  -  Finding Your Niche
September, 2016
09/22/2016  -  But Wait, There's More
09/20/2016  -  The Speed of Banking
09/06/2016  -  Kids These Days
09/02/2016  -  Operational Risks
August, 2016
08/25/2016  -  Compliance Risks
08/24/2016  -  Video On The Forefront
July, 2016
07/28/2016  -  Dodd-Frank Exempt
07/27/2016  -  Memory Foam To The Core
07/26/2016  -  Let's Go Already
07/22/2016  -  Ink Blot Cyber Banking
07/21/2016  -  Compensation Comedy
07/19/2016  -  Message In A Bottle
07/08/2016  -  Profiting Non-Profits
07/07/2016  -  Yo Banking Apps
07/06/2016  -  Self-Serving Banking
07/05/2016  -  Faraway Fintech
June, 2016
06/24/2016  -  Gen Z Graduates
06/23/2016  -  Playing By The Rules
06/22/2016  -  Talent Ratings
06/17/2016  -  The Imperfect Square
06/16/2016  -  Captain API
06/14/2016  -  Banking On Mobile Alone
06/13/2016  -  Digital Destruction
06/10/2016  -  Data Breach Insights
06/09/2016  -  Let's talk Brexit
06/08/2016  -  Smile And Say Cheese
06/06/2016  -  An Issue With Many Tentacles
06/03/2016  -  Family Business Banking
06/02/2016  -  A New Chapter In Panama
May, 2016
05/31/2016  -  What The Heck Is That
05/27/2016  -  What Are You Drinking?
05/12/2016  -  Lending In Wonderland
05/11/2016  -  Uber Everything
05/10/2016  -  Social Speaking
April, 2016
04/18/2016  -  Good Times Or Bad Times
04/15/2016  -  Alternative Ways To Bank
04/14/2016  -  Turn Off The Lights
04/08/2016  -  Dreaming About New Customers
04/07/2016  -  Getting M&A To Lift-Off
04/04/2016  -  The Human Touch
March, 2016
03/28/2016  -  Gen X And Billy Idol
03/25/2016  -  Timing Is Everything
03/24/2016  -  Student Debt Conundrum
03/09/2016  -  Mining The Gold
03/08/2016  -  Keep Feeding Small Business
03/01/2016  -  Happy APIs
February, 2016
02/23/2016  -  De Novo Nesting Habits
02/22/2016  -  A Classic Way To Remain Calm
January, 2016
December, 2015
12/30/2015  -  Juggling The Talent Shortage
12/29/2015  -  Friendly Activity Online
November, 2015
11/19/2015  -  Bunnies And Banking
11/17/2015  -  All About EVE
October, 2015
10/22/2015  -  Phone Hacked
10/19/2015  -  Picture This
10/15/2015  -  The Poetry Of Underwriting
10/14/2015  -  Dot-Bank For Banks
10/09/2015  -  Navigating The Digital Seas
September, 2015
09/25/2015  -  Life, Art, Marriage And M&A
09/24/2015  -  CRA In M&A
09/23/2015  -  The Magic Of Apple
09/09/2015  -  No Shortcuts
09/08/2015  -  Bankers Aged Like Fine Wine
09/04/2015  -  In Trust We Trust
09/03/2015  -  Dialing Up Opportunities
09/01/2015  -  Better Late Than Never
August, 2015
08/26/2015  -  Chinese Currency Olympics
08/24/2015  -  Anticipating Risk In M&A
08/17/2015  -  The Robot Hotel
08/13/2015  -  Is Your Bank A Schmoo?
08/12/2015  -  The Demise Of HitchBOT
08/11/2015  -  New Customer Special
July, 2015
07/31/2015  -  Numbers Don't Lie (Mostly)
07/29/2015  -  Working Too Much
07/27/2015  -  Oh - That List
07/24/2015  -  Slipping Through The Fence
07/14/2015  -  A Case Of Mistaken Identity
07/13/2015  -  Clean Up And Simplify
07/10/2015  -  Waterloo Or Somewhere Close
07/09/2015  -  Adopting a New Friend
07/02/2015  -  Technology And Branches
June, 2015
06/25/2015  -  What Is A Blockchain?
06/23/2015  -  Demand Over Supply
06/22/2015  -  Timing Is Everything
06/19/2015  -  Don't Procrastinate
06/18/2015  -  All In The Family
06/17/2015  -  It's Shrinking!
06/15/2015  -  Quietly Moving Forward
May, 2015
05/22/2015  -  No Really, It's Safe
05/15/2015  -  Ransomware
05/14/2015  -  Translating The Volcker Rule
05/07/2015  -  Streaming Digital Payments
05/06/2015  -  The Five Factors Of Fast
05/04/2015  -  All Together Now
05/01/2015  -  Let Us Cultivate Our Garden
April, 2015
04/17/2015  -  Invisible Fences
04/16/2015  -  Mobile Wallet Tornado
04/15/2015  -  Hooray For Tax Day
04/01/2015  -  Finally The Fed Raises Rates
March, 2015
03/13/2015  -  Counting On M&A
03/12/2015  -  It Is Hard To Say Goodbye
03/10/2015  -  Social Media Strategy
03/09/2015  -  The Charm Of Country Life
03/06/2015  -  A Cautionary Fable On P2P
03/05/2015  -  Don't Try This At Home
03/04/2015  -  Focusing On The Target
03/03/2015  -  Regulatory Motion Sickness
February, 2015
02/24/2015  -  Herding Cats And NIM
02/23/2015  -  Hiring Millennial Mojo
02/13/2015  -  The Morton's Fork Of Banking
02/12/2015  -  Apple Pay At The OK Corral
02/11/2015  -  You Are What You Wear
02/05/2015  -  Webinars Out The Wazoo
02/04/2015  -  Stormageddon - Again
02/02/2015  -  Groundhog Day
January, 2015
01/21/2015  -  The Detroit Auto Show
01/20/2015  -  An ERM Survival Guide
01/16/2015  -  Defining Beauty
01/15/2015  -  Risky Business
01/12/2015  -  The End Of Chocolate
01/09/2015  -  The Bots Are Watching!
01/05/2015  -  Losing Your Brains
December, 2014
12/31/2014  -  Reviewing 2014
12/30/2014  -  Risk And Zeitgeist
12/29/2014  -  Do You Speak Dodd Frankish?
12/24/2014  -  Patience And 12 Days
12/23/2014  -  Heading To The Mall
12/17/2014  -  How Flat Is Flat
12/15/2014  -  The Devil Is In The Details
12/12/2014  -  Planting Roots With Gen Y
12/11/2014  -  Lock The Door!
12/10/2014  -  Jobs, Jobs, Jobs!
12/09/2014  -  Taking Care Of Each Other
12/08/2014  -  A Royal Acquisition
November, 2014
11/28/2014  -  The Money Museum
11/26/2014  -  Giving Thanks
11/25/2014  -  Making Good Decisions
October, 2014
10/15/2014  -  Tainting The Portfolio
10/14/2014  -  Better By The Growler
September, 2014
09/11/2014  -  We Wil Never Forget
09/10/2014  -  Hello Kitty Is Not A Cat
09/04/2014  -  Fighting Elder Abuse
09/02/2014  -  Managing A Conversion
August, 2014
08/29/2014  -  Partnering Carefully
08/27/2014  -  Pestilence
08/08/2014  -  In A Trance And On Hold
08/07/2014  -  Poaching A Venue
08/06/2014  -  Flowing With The Current
08/05/2014  -  Summer Recreational Reading
08/01/2014  -  Long Term Exposure
July, 2014
07/23/2014  -  Time Bomb
07/21/2014  -  The Wall of Shame
07/07/2014  -  Fostering Commitment
June, 2014
06/04/2014  -  Undercover Boss
06/03/2014  -  Howling At Reputational Risk
06/02/2014  -  Manic Mondays
May, 2014
April, 2014
04/22/2014  -  Good Publicity VS. Bad
04/18/2014  -  A Trend Until It's Not
04/16/2014  -  Crab Time
04/14/2014  -  The 5 Second Rule
04/10/2014  -  The Tightwad Bank
04/01/2014  -  A Foolish Situation
March, 2014
03/17/2014  -  Back-Testing Nostradamus
03/14/2014  -  The BOLI Assassin
03/13/2014  -  The Penalty Box
03/12/2014  -  Finding The Right Fit
03/10/2014  -  Merits Of Preparedness
03/07/2014  -  Advisory Trash To Treasure
03/05/2014  -  Keeping It Simple
03/04/2014  -  Scam Busting
February, 2014
02/25/2014  -  Donning The Boxing Gloves
02/24/2014  -  Now That Is Efficient
02/21/2014  -  Wrestling Over Data Security
02/20/2014  -  Finding Our Way
02/19/2014  -  The Efficiency Of The Ratio
02/18/2014  -  Slipping Into Obsolescence
02/11/2014  -  Say Goodbye To Hollywood
02/07/2014  -  Phishing And Farming
January, 2014
01/28/2014  -  Dangerous Behavior
01/27/2014  -  A Fortune Of Opportunity
01/24/2014  -  A Small Biz Checklist
01/17/2014  -  100 Years Of The Fed
01/16/2014  -  Banking Before The Fed
December, 2013
12/09/2013  -  Boomer Biz Opportunities
12/06/2013  -  I Like Your Effort
12/05/2013  -  Moving Definition of Scandal
November, 2013
11/05/2013  -  Real Estate Appraisals
11/04/2013  -  Solving Great Myesteries
11/01/2013  -  All Webbed Together
October, 2013
10/31/2013  -  The Who on Going Mobile
10/29/2013  -  Monsters Under the Bed
10/28/2013  -  Spy VS Spy
10/25/2013  -  Reaching for the Stars
10/23/2013  -  Misadventures in Spelling
10/22/2013  -  Fairy Tales and Fact
10/15/2013  -  Basel III and Sub S Banks
10/10/2013  -  Ranking Employers
September, 2013
09/25/2013  -  Are Bank Tellers Dinosaurs?
09/24/2013  -  The Holy Grail of Banking
09/23/2013  -  Were You Talking to Me?
09/20/2013  -  Bottled Water and Banking
09/19/2013  -  Swimming in CRA
09/18/2013  -  Get Your Beauty Rest
09/17/2013  -  Customer Loyalty
09/16/2013  -  The Power of Promotion
09/09/2013  -  When Should a Bank Outsource
09/06/2013  -  Take a Walk in Their Shoes
09/05/2013  -  Pay Attention to Training
August, 2013
08/30/2013  -  Following the Trend or Not
08/29/2013  -  The ABCs of Regulation E
08/28/2013  -  Are You Cranky or Nostalgic?
08/19/2013  -  Banking and Innovation
08/15/2013  -  Customer Complaints
08/14/2013  -  Traveling a Global World
08/13/2013  -  Lead the Way with Data
08/12/2013  -  Eggs in One Basket
08/09/2013  -  Creating a Buzz
08/08/2013  -  No Account For You
08/06/2013  -  GDP is Going Up
08/02/2013  -  Get Rick Quick
08/01/2013  -  Watch for Falling Cows
July, 2013
07/31/2013  -  If the Price Fits
07/29/2013  -  Turning up the Heat
07/26/2013  -  Looking Closer At Chains
07/25/2013  -  Diamonds and Customers
07/24/2013  -  Painting a Changing Picture
07/11/2013  -  Danger Will Robinson
07/10/2013  -  Deflating the Debt Balloon
07/09/2013  -  No Bull - Bear In Mind
07/08/2013  -  Snapchatting About Mobile
07/05/2013  -  Gains & Losses
07/01/2013  -  Popularity Improving
June, 2013
06/28/2013  -  Worldwide Exposure
06/27/2013  -  Managing Cow Tipping
06/25/2013  -  A Goat's Head and Inflation
06/24/2013  -  Bursting Balloons
06/21/2013  -  Checking Out Self Service
06/12/2013  -  Cleaning Up For Success
06/10/2013  -  Top of the World
06/07/2013  -  No Crying Over the Onion
06/06/2013  -  NO ONE LIKES RANTING
06/05/2013  -  BUGGED ABOUT ADAPTABILITY
06/04/2013  -  FAUX VACATION
May, 2013
05/31/2013  -  JOB MIGRATION
05/29/2013  -  NO BABE IN THE WOODS
05/06/2013  -  TRANSFORMED BY TECHNOLOGY
05/03/2013  -  WOMEN BUSINESS OWNERS
April, 2013
04/25/2013  -  SUCCESSFUL CROSS SELLING
04/23/2013  -  SOLAR STORMS
04/17/2013  -  THE PERILS OF FORECASTING
04/15/2013  -  OPTIMAL DENSITY
March, 2013
February, 2013
02/13/2013  -  LEVERAGING SOCIAL MEDIA
02/12/2013  -  SUCCESSION PLANNING
02/08/2013  -  WEB SITE REVIEW
January, 2013
December, 2012
November, 2012
October, 2012
10/26/2012  -  GIVING DIRECTIONS
10/25/2012  -  SEEING BRANCHES CLEARLY
10/01/2012  -  THE ISSUES WITH EASING
September, 2012
August, 2012
July, 2012
June, 2012
06/26/2012  -  LESSONS LEARNED
06/25/2012  -  MOVING AROUND RISK
06/22/2012  -  MULTIFAMILY RISK
06/21/2012  -  FOMC AND BANK STRATEGY
06/20/2012  -  PRICING STRATEGY
May, 2012
05/24/2012  -  REWARDING FOR SALES
05/23/2012  -  PAYING EMPLOYEES TO QUIT
05/01/2012  -  STRESSING ABOUT MAY DAY
April, 2012
March, 2012
03/27/2012  -  LOAN REPORTING
03/22/2012  -  SPORTS AND BANKING
03/21/2012  -  THE MOBILITY OF CASH
03/06/2012  -  ISN'T THAT SPECIAL
03/05/2012  -  PUSHING BUTTONS IN BANKING
February, 2012
02/14/2012  -  ADDICTED TO CUSTOMER LOVE
02/13/2012  -  MONEYBALL BANKING
January, 2012
01/17/2012  -  COMPETITIVE POSITIONING
01/13/2012  -  FRIDAY THE 13TH IN BANKING
01/09/2012  -  7 RULES TO FOLLOW
01/06/2012  -  BANKING'S POWERFUL WORDS
01/03/2012  -  HAPPY NEW YEAR
December, 2011
12/23/2011  -  48 HOURS BEFORE XMAS
12/22/2011  -  BANK GIFT GIVING
12/20/2011  -  THIS OLD BANK
12/05/2011  -  THE COST OF IPO SUCCESS
12/01/2011  -  HISTORY AS A GUIDE
November, 2011
11/30/2011  -  CHANGE IN LENDING
11/29/2011  -  ENFORCEMENT ACTIONS, PART II
11/28/2011  -  WINDING DOWN
11/25/2011  -  BLACK FRIDAY
11/23/2011  -  THANKFUL
11/18/2011  -  HOLIDAY COMPETITION
11/17/2011  -  FIND YOUR CHUCKLE
11/10/2011  -  C&I
11/08/2011  -  THE POWER OF EDUCATION
11/04/2011  -  JUST PLAIN GOOFY
11/03/2011  -  GRASSROOTS OR ASTROTURFING
October, 2011
10/13/2011  -  BANK EQUITY RISK PREMIUM
10/12/2011  -  ITALIAN BOARD STYLE
September, 2011
09/29/2011  -  BANK STOCK LIQUDITY
August, 2011
08/15/2011  -  SECOND QUARTER PERFORMANCE
08/12/2011  -  BEANS OR STEAK
08/02/2011  -  A TALE OF PRODUCT INNOVATION
08/01/2011  -  A PARTIAL TALE OF TWO BANKS
July, 2011
07/20/2011  -  CHARGING FEES
June, 2011
06/06/2011  -  RETAIL CHECKING IDEA
06/03/2011  -  OF SPECIAL MENTION
06/02/2011  -  TOOTH FAIRIES AND BANKING
06/01/2011  -  MIND OVER MATTER
May, 2011
05/17/2011  -  LEARNING ABOUT NFC AND EMV
05/16/2011  -  MONEY AND INFORMATION
05/13/2011  -  NOT FLOORING YOUR LOANS
05/10/2011  -  FIRST QUARTER RECAP
April, 2011
04/29/2011  -  SHRINKING THE BANKING SECTOR
04/28/2011  -  A BETTER ROYAL WEDDING
04/27/2011  -  BANK DECISION MAKING
04/12/2011  -  SETTING DIVIDENDS
04/11/2011  -  THE $100 PROMOTION
March, 2011
February, 2011
January, 2011
01/06/2011  -  BUSINESS SAVINGS
December, 2010
12/31/2010  -  HAPPY NEW YEAR
12/30/2010  -  SPYING PART DEUX
12/28/2010  -  CLEANING UP IN 2011
12/27/2010  -  AN OVERFLOWING SINK
12/07/2010  -  THE STUDENT ACCOUNT
12/06/2010  -  PRICING INSIGHT FROM WALT
November, 2010
11/24/2010  -  THANKSGIVING
11/23/2010  -  DEBIT KARD TACTICAL CHANGES
11/09/2010  -  INVESTMENT LEVERAGE
11/08/2010  -  THE CHRISTMAS CLUB ACCOUNT
11/02/2010  -  TEAMWORK GETS IT DONE
11/01/2010  -  PROCRASTINATION IN BANKING
October, 2010
10/29/2010  -  SCARY UTTERANCES
10/26/2010  -  BANKS AND INFLATION
10/25/2010  -  BANK AND CUSTOMER REPO
10/22/2010  -  TRUCKING IN REGULATION
10/15/2010  -  BANC WHIPPING BOY.COM
10/14/2010  -  HOW ARE YOU COMMUNICATING?
10/13/2010  -  THE FORECLOSURE PROBLEM
10/08/2010  -  ARE YOU NUTS?
10/04/2010  -  CONVENIENCE RULES
10/01/2010  -  INVESTMENT ALTERNATIVES
September, 2010
09/13/2010  -  INSURING LEGAL RISK
09/10/2010  -  SEPTEMBER 11, 2001
09/03/2010  -  HURRICANE SALES TRAINING
09/02/2010  -  LOAN RETURN VOLATILITY
August, 2010
08/31/2010  -  WHAT IS WITH THE ADS?
08/30/2010  -  THE ART OF THE SUBJECT LINE
08/27/2010  -  GALILEO, HANS AND BANKING
08/26/2010  -  CONNECTING THE DOTS
08/25/2010  -  NIAGARA FALLS IN BANKING
08/24/2010  -  SPONGES AND BANK LENDING
08/23/2010  -  SHAKING THINGS UP IN BANKING
08/19/2010  -  BANKING BY JENGA
July, 2010
07/30/2010  -  MANAGING RISK FROM THE BEACH
07/29/2010  -  THE GAME OF TAG
07/28/2010  -  OF SNICKS AND SNICKERS
07/27/2010  -  SEXTANT AND BANKING
07/26/2010  -  ANCHORS AWAY
07/22/2010  -  CUSTOMER SERVICE
07/20/2010  -  THE CROSS-SELL SALES EFFORT
07/19/2010  -  INTEREST BUSINESS CHECKING
07/16/2010  -  A BANKING TRIFECTA
June, 2010
06/30/2010  -  LEARNING NEW THINGS
06/28/2010  -  A BANKING BED OF ROSES
06/16/2010  -  CAFFEINATED BANKING
06/04/2010  -  TOP 25 BANKS
06/03/2010  -  BP OIL SPILL AND BANKING
06/02/2010  -  DIGGING AROUND
06/01/2010  -  RECHARGING BATTERIES
May, 2010
05/28/2010  -  CONTINGENCY PLANNING
05/26/2010  -  DISBAND MARKETING
05/25/2010  -  A SALES POINT OF VIEW
05/24/2010  -  LEGISLATIVE RISK
05/21/2010  -  SMALL BUSINESS CUSTOMERS
05/20/2010  -  BAD MATH
05/19/2010  -  WE HAVE YOU COVERED - PART 2
05/18/2010  -  RELAX - WE'VE GOT YOUR BACK
05/17/2010  -  CHANGING NICKELS INTO GOLD
05/14/2010  -  TWO TIP FRIDAY
05/07/2010  -  FISH AND CHIPS
April, 2010
04/30/2010  -  GLEE BANKING
04/29/2010  -  GETTING DOG HONEST
04/28/2010  -  CRE WORKOUTS - A CASE STUDY
04/09/2010  -  APPLE AND COMMUNITY BANKING
04/08/2010  -  SUMMER INTERNSHIPS
March, 2010
03/26/2010  -  NAMING NAMES
03/22/2010  -  LIQUIDITY IN BANKING
03/19/2010  -  BETTER CONTROL WITH PRE-PRE
03/04/2010  -  DEPOSIT TRICK #114
February, 2010
02/23/2010  -  DIRECTOR EDUCATION - RISKS
02/22/2010  -  DIRECTOR EDUCATION - BASICS
02/19/2010  -  GETTING AN APP FOR THAT
02/18/2010  -  COMPLEXITY AND RISK
02/17/2010  -  THE US DEFICIT
02/16/2010  -  OLYMPIC FREE CHECKING
02/12/2010  -  WOMBATS AND BANKING
02/11/2010  -  DEFINING CUSTOMER REFERRALS
02/10/2010  -  IMPROVING TIME MANAGEMENT
02/09/2010  -  BEING A BOSS ISN'T EASY
02/08/2010  -  VITAL COMMUNICATION
January, 2010
01/29/2010  -  DRINKING FROM A FIRE HOSE
01/27/2010  -  BRITISH TAXIS AND BANKING
01/25/2010  -  ENERGETIC IRR ACTIVITIES
01/22/2010  -  RISK MANAGEMENT
01/21/2010  -  HOW TO MAKE MONEY TODAY
01/20/2010  -  HOW NOT TO BE # 1
01/19/2010  -  CONFUSED THINKING
01/07/2010  -  INTERNAL SELLING
01/06/2010  -  BOARD BY MEETINGS & MINUTES
01/05/2010  -  SUPER DEPOSIT FEATURES
01/04/2010  -  HAPPY NEW YEAR
December, 2009
12/28/2009  -  READING AND LEARNING
12/23/2009  -  THIS OLD BANK
12/22/2009  -  THE OLDEST BANK IN THE WORLD
12/21/2009  -  BANKERS' BANK UPDATE
12/18/2009  -  LOCKING DOWN A CFO STUDY
12/11/2009  -  MORE GAME THEORY IN ACTION
12/10/2009  -  WHEN TO AUCTION
12/08/2009  -  NO SHOT TO MAKE
12/07/2009  -  THE BLAME GAME
November, 2009
11/27/2009  -  Happy Black Friday
11/25/2009  -  THANKSGIVING
11/02/2009  -  HALLOWEEN AND SCARY BANKING
October, 2009
10/30/2009  -  LOAN PREPAYMENTS
10/26/2009  -  BANK COMPENSATION
10/23/2009  -  T.G.I.F AND MODELS
10/19/2009  -  GETTING YOUR COSTUME
10/16/2009  -  OUTSOURCING
10/15/2009  -  ITALIAN BOARD STYLE
10/13/2009  -  LEARNING FROM LEFTOVERS
10/09/2009  -  CAPITAL IS KING
10/08/2009  -  A BOX IN A BOX - TECHNOLOGY
10/06/2009  -  IMAGE IS EVERYTHING
September, 2009
09/29/2009  -  TRAUMA IN BANK COMPENSATION
09/28/2009  -  RETHINKING BRANCHING
09/09/2009  -  TOP 50 BANKS AS OF 2Q 2009
09/08/2009  -  SHARING LOSSES
August, 2009
July, 2009
07/30/2009  -  THE EARNINGS IN CAMELS
07/29/2009  -  THE MANAGEMENT IN CAMELS
07/23/2009  -  THE SIGTARP'S NUMBERS
07/22/2009  -  TEENAGERS AND BANKING
07/15/2009  -  REGULATORY CHANGES
07/14/2009  -  NO WINKING PLEASE
07/13/2009  -  PSYCHOLOGY AND BANKING
07/10/2009  -  MOBILE BANKING UPDATE
07/09/2009  -  HOW ARE YOU DOING?
07/08/2009  -  THE POWER OF BANK DEPOSITS
07/01/2009  -  OPPORTUNITY KNOCKS
June, 2009
06/30/2009  -  A LEAN HOURGLASS FIGURE
06/26/2009  -  MANAGING BY MOTTO
06/25/2009  -  CABLE VERSUS NETWORK TV
06/24/2009  -  COST CUTTING
06/16/2009  -  ASSET QUALITY WORK REMAINS
06/15/2009  -  LISTS AND COUNTING MONEY
06/05/2009  -  THE RULE OF 150
06/02/2009  -  WHAT A CROC
May, 2009
05/26/2009  -  SPECIAL ASSESSMENT IMPACT
05/21/2009  -  THE EAGLE HAS LANDED
05/15/2009  -  HOW BAD IS CRE AT BANKS?
05/13/2009  -  WE GROWL AT GROWTH
05/12/2009  -  EARLY FEEDBACK
05/11/2009  -  FORGET THE COMPETITION
05/08/2009  -  LESS STRESS THAN EXPECTED
05/07/2009  -  FINISH LINE IN SIGHT
05/05/2009  -  FROM OUR EMC CONFERENCE
April, 2009
04/17/2009  -  BANKING BY TWITS AND TWEEPS
04/16/2009  -  PIRATE METRICS
04/15/2009  -  DOES GROWTH BITE?
04/01/2009  -  A NEW BANKING IDEA
March, 2009
03/20/2009  -  A DISTINGUISHING FEATURE
03/19/2009  -  THE FED MOVE
03/02/2009  -  FDIC ASSESSEMENT
February, 2009
02/27/2009  -  GETTING A GOLD STAR
02/24/2009  -  MORE RATIO ANALYSIS
02/20/2009  -  BANK CLUSTERING
02/18/2009  -  SHARING LOSSES
02/17/2009  -  LEADING THE PARADE
02/13/2009  -  BUSINESS CONTINUTY PLANNING
02/12/2009  -  EXAM READY
02/10/2009  -  SIMPLY PROTECTING DATA
02/04/2009  -  THE STATE OF BANKING
02/03/2009  -  CONSIDER GETTING GREEN
02/02/2009  -  BIDDING ON TROUBLED BANKS
January, 2009
01/27/2009  -  LOOK OUT BELOW
01/26/2009  -  BREAKING ROCKS AUSSIE STYLE
01/23/2009  -  NATIONALIZING BANKING
December, 2008
12/31/2008  -  HAPPY NEW YEAR
12/30/2008  -  SURFACING CAPITAL
12/29/2008  -  SOME ASSEMBLY REQUIRED
12/26/2008  -  SALE, SALE, SALE!
12/24/2008  -  'TWAS A HOLIDAY THANK YOU
12/23/2008  -  THE HIGH ART OF REGIFTING
12/17/2008  -  FED MOVES
12/16/2008  -  DIFFICULT TIMES
November, 2008
11/19/2008  -  FIXING PROBLEMS
11/18/2008  -  FIXING PROBLEMS
11/10/2008  -  SUMO BANKING
11/06/2008  -  VOLATILITY AND BANK SAFETY
October, 2008
10/31/2008  -  REGULATORY SOUP - Q & A
10/30/2008  -  TARP INTERIM RULE
10/23/2008  -  WACHOVIA'S SECRET COWFORCE
10/22/2008  -  GREAT DEPOSIT MARKETING
10/21/2008  -  TAKE THE CAPITAL
10/06/2008  -  ADDITIONAL DEPOSIT INSURANCE
10/03/2008  -  MAKING MOVES
10/02/2008  -  DA PLAN, DA PLAN
September, 2008
09/30/2008  -  THE TRILLION DOLLAR GAMBLE
09/26/2008  -  A FEW GOOD ASSETS
09/25/2008  -  WHY NOT AN EVEN TRILLION
09/23/2008  -  Banking Alpha
09/11/2008  -  SEPTEMBER 11, 2001
09/10/2008  -  QUARKS AND LOANS
August, 2008
08/21/2008  -  HIRING BANKERS
08/19/2008  -  IMPROVING SALES IN BANKING
08/15/2008  -  OTTI Update
08/14/2008  -  STRATEGIC M&A
08/13/2008  -  MOM ON YOUR FUTURE
08/11/2008  -  ASSUMING THE WORST
08/08/2008  -  OPENING CEREMONIES
08/06/2008  -  WEIGHTLIFTING
July, 2008
07/23/2008  -  TARGETING NEW CUSTOMERS
07/22/2008  -  TRY THIS AT HOME
07/21/2008  -  TECHNOLOGICALLY SPEAKING
07/15/2008  -  STOPPING A BULL RUN
07/14/2008  -  FANNIE MAE AND FREDDIE MAC
07/11/2008  -  TURNED ON ITS AXIS
07/07/2008  -  KEEPING LIQUIDITY FLOWING
07/03/2008  -  LOOKING BACK AND FOREWORD
07/02/2008  -  TARGETED MARKETING
June, 2008
06/30/2008  -  LOAN PREPAYMENT VALUE
06/27/2008  -  NEW DEPOSIT PRODUCT TRENDS
06/26/2008  -  BALANCE SHEET OPTIONALITY
06/25/2008  -  TRAITS OF A CEO
06/23/2008  -  EMERGENCY LIQUIDITY PLANNING
06/09/2008  -  SUMMER PROFILE COMPARISON
06/05/2008  -  BLINKING IMPRESSION
May, 2008
05/27/2008  -  FORECASTING
05/23/2008  -  CREDIT RISK RADAR
05/22/2008  -  GETTING INSIDE MODELING
05/21/2008  -  DATA PARADE WORTH WATCHING
05/20/2008  -  AVOIDING A SKUNK'S SPRAY
05/19/2008  -  WHAT GOOGLE CAN TEACH US
05/16/2008  -  INSIDE THE BOX
05/15/2008  -  CONFUSING ACTIVITIES
05/14/2008  -  COMPLEXITY IS CONFUSING
April, 2008
04/29/2008  -  COST OF PRODUCTION
04/28/2008  -  THE BANK LOBBY
04/25/2008  -  MEETINGS AND FAUCETS
04/24/2008  -  POKING AROUND AND LISTENING
04/22/2008  -  SHOT ACROSS THE BOW
04/21/2008  -  GREETING CARDS AND BANKING
04/18/2008  -  DO WE NEED BROCHURES?
04/17/2008  -  HOW NOT TO BE #1
04/16/2008  -  LICKING YOUR LEVERAGE
04/15/2008  -  NOSTALGIC POLICIES
04/09/2008  -  GOOD NEWS - BAD NEWS
04/08/2008  -  OBSERVING AND LEARNING
04/07/2008  -  STUBBED TOES
04/01/2008  -  NEW COMPETITION
March, 2008
03/26/2008  -  OPENING A PRESENT
03/25/2008  -  DON'T WAIT TO TAKE ACTION
03/24/2008  -  DYNAMICS OF AN AGING BANK
03/20/2008  -  MARCH MADNESS OF LOANS
03/19/2008  -  CUSTOMER TYPE PROFITABILITY
03/18/2008  -  DEPOSIT TRICK #114
03/14/2008  -  ANOTHER BOLT AND JOLT
February, 2008
02/28/2008  -  THE WHEELS KEEP TURNING
02/27/2008  -  MANAGING THE CORE
02/12/2008  -  RISK BUSINESS
02/11/2008  -  WATCHING THE WATCHMAKERS
02/08/2008  -  SAVING HEARTS AND CREDIT
02/04/2008  -  SUPER EXECUTION
02/01/2008  -  BOXING UP THE BOARD PACKAGE
January, 2008
01/31/2008  -  PUTTING ON A CAP
01/30/2008  -  GRAPPLING WITH RESERVES
01/29/2008  -  HIGH PERFORMANCE
01/28/2008  -  LIQUIDITY RISK MANAGEMENT
01/25/2008  -  GREETINGS FROM DAVOS
01/17/2008  -  APPLES OR ORANGES
01/16/2008  -  A ROCK IN THE SHOE
01/15/2008  -  PUSHING FORWARD
01/14/2008  -  REVIEWING PERFORMANCE
01/11/2008  -  THE TEACHINGS OF ED
01/09/2008  -  MONKS ON MARKETING
01/08/2008  -  BEAUTY, VALUE AND FAS 157
01/07/2008  -  OUR 2008 RESOLUTIONS
01/03/2008  -  BETTER PRONOUNCIATION
01/02/2008  -  BOOSTING SALES
December, 2007
12/31/2007  -  HAPPY NEW YEAR
12/27/2007  -  MODEL GOVERNANCE
12/26/2007  -  SALE, SALE, SALE!
12/19/2007  -  WARNING ALARM
12/17/2007  -  A FEW GIFTS FOR YOU
12/10/2007  -  FLOORS AND PIGS
12/07/2007  -  LURKING IN THE SHADOWS
November, 2007
11/30/2007  -  BANKING UPDATE FOR THE 3Q
11/29/2007  -  THE BLUE BOX EXPERIENCE
11/21/2007  -  HAPPY THANKSGIVING
11/20/2007  -  NEEDLE IN A HAYSTACK
11/19/2007  -  HALF FULL
11/07/2007  -  MORE WOOD TO CHOP
11/06/2007  -  EMPLOYEE SATISFACTION
11/05/2007  -  IMPROVING BANK PERFORMANCE
October, 2007
10/31/2007  -  A Scary Day
10/27/2007  -  BRANCH OPERATING HOURS
10/18/2007  -  CYCLONIC DEPOSIT ACTIVITY
10/17/2007  -  THE HALL OF FAME TERM SHEET
10/16/2007  -  PEER REFLECTIONS
10/15/2007  -  BOARD STYLE
10/12/2007  -  ITALIAN BOARD STYLE
10/11/2007  -  ANTI-MONKEY POWDER FOR LOANS
September, 2007
09/28/2007  -  RAINING HAMBURGERS
09/27/2007  -  INCREASING YOUR WOM
09/26/2007  -  NO NEED TO BE STUBBORN
09/25/2007  -  LAUNCHING NEW CUSTOMERS
09/24/2007  -  GAMBLING & LENDING
09/21/2007  -  STAYING STRATEGIC
09/17/2007  -  FACEBOOK AND BANKING
09/14/2007  -  DIRTY MONEY AND CUSTOMERS
09/12/2007  -  MARINES AND BANKING
09/11/2007  -  WE WILL NEVER FORGET
09/04/2007  -  COMMUNICATION AND SALES
August, 2007
08/31/2007  -  THE BURNING MAN BANK
08/30/2007  -  HAPPY, SHINY EMPLOYEES
08/29/2007  -  LENDING IN SLOVENIA
08/28/2007  -  BOTTLING LOANS
08/24/2007  -  FUTURE BRANCHING
08/23/2007  -  SLIPPERY LIQUIDITY
08/21/2007  -  PROPER STAIR CONSTRUCTION
08/20/2007  -  ALLIGATORS AND ERM
08/17/2007  -  GET A HARDHAT
08/02/2007  -  PEOPLE ARE OVERRATED
08/01/2007  -  HODGEPODGE
July, 2007
07/31/2007  -  WINNING THE CUSTOMER GAME
07/30/2007  -  A FRIEND AND A PEER GROUP
07/27/2007  -  ZORBING
07/12/2007  -  TEENAGE ANGST AND BANKING
07/10/2007  -  THE MIGHTY MEDICI'S
07/03/2007  -  Patriotic Lending
07/02/2007  -  LENDING RISK
June, 2007
06/29/2007  -  SPRINGING BANK PROFITS
06/28/2007  -  LEVERAGING CAPITULATION
06/13/2007  -  AS EASY AS PIE
06/12/2007  -  NO TIME TO CLOWN AROUND
06/11/2007  -  KNOWING THE ODDS
06/08/2007  -  SHARE BUYBACKS
06/06/2007  -  CRIMINAL FEE WAIVING
06/05/2007  -  TURBULENT TIMES IN BANKING
06/04/2007  -  CABLE BANKING
06/01/2007  -  FUN PARADE
May, 2007
05/30/2007  -  OF BLOGS, WIKIS AND PODCASTS
05/29/2007  -  BACK TO SCHOOL
05/25/2007  -  RUNNING FROM THE BULL
05/24/2007  -  PHYSICS AND BANKING:
05/22/2007  -  THE MYSPACE PHENOMENON
05/21/2007  -  THE LANGUAGE OF CALLABLE CDS
05/18/2007  -  COMMERCIAL LOAN DEFAULTS
05/17/2007  -  A BRAND PLAN
05/16/2007  -  STRATEGIC PLANNING
05/09/2007  -  LOYALTY
05/08/2007  -  REMOTE DEPOSIT CAPTURE
April, 2007
04/30/2007  -  KNOWING WHO YOU ARE
04/20/2007  -  PROFIT PER EMPLOYEE
04/19/2007  -  SWINGING FOR A NEW BRANCH
04/17/2007  -  THE BEST RESPONSE
04/16/2007  -  THE BIG PICTURE OF 159
04/12/2007  -  FAS 159 - WAKE UP CALL
04/11/2007  -  THE RISK MANAGEMENT CHANNEL
04/10/2007  -  HEURISTICS AND BANKING
04/09/2007  -  COOKIES IN THE BRANCH
04/06/2007  -  SOMETHING MISSING
04/05/2007  -  THE HALO EFFECT
04/04/2007  -  Mistaken Indexed Deposits
04/03/2007  -  CASH FLOW IDENTITY
04/02/2007  -  INTELLIGENT WEBDESIGN
March, 2007
03/26/2007  -  CRE LOAN PREPAYMENTS
03/23/2007  -  DOWN THE ROAD ON NIM
03/13/2007  -  GOT THE TIME
03/12/2007  -  SUBMERGING SUBPRIME
03/07/2007  -  LEMMING TESTING
03/06/2007  -  A Mickey Mouse Bank
03/02/2007  -  JET BLACK & BLUE & GOLD
03/01/2007  -  Banker's Chalkboard
February, 2007
02/21/2007  -  LIQUIDITY
02/20/2007  -  CRE CONDUITS
02/16/2007  -  ATM FEES AND DEPOSITS
02/15/2007  -  MULTIFAMILY LENDING UPDATE
02/14/2007  -  A DAY OF LOVE
02/13/2007  -  CRE LOAN UNDERWRITING
02/12/2007  -  LAUNCHING A NEW PRODUCT
02/01/2007  -  A BAD HABIT
January, 2007
01/23/2007  -  INTERNAL SELLING
01/22/2007  -  A SIMPLE PROMOTION
01/19/2007  -  LOOK BEFORE YOU LEAP
01/04/2007  -  MISC CLEANUP
01/03/2007  -  KEEPING EVERYONE HAPPY
December, 2006
12/29/2006  -  2007 LET THE PARTY BEGIN
12/28/2006  -  LUCKY STREAK
12/26/2006  -  LEARNING FROM THE ARMY
12/22/2006  -  THE HIGH ART OF REGIFTING
12/21/2006  -  WINNING
12/20/2006  -  RIGHT AROUND THE CORNER
12/18/2006  -  FORK IN THE CREDIT ROAD
12/13/2006  -  FROM HAWKS TO DOVES
12/12/2006  -  CATCHING MORE CUSTOMERS
12/08/2006  -  SEXY ATMs
12/04/2006  -  PRUDCOT DISEGN
12/01/2006  -  TIGHTENING COMPETITION
November, 2006
11/30/2006  -  HALF FULL OR HALF EMPTY
11/29/2006  -  THE BID
11/28/2006  -  EMPLOYEE FOCUS
11/27/2006  -  BANKING UPDATE FOR THE 3Q
11/24/2006  -  A BUNCH OF TURKEYS
11/22/2006  -  WOMEN CLIENTS
11/16/2006  -  STRATEGIC INITIATIVES
11/14/2006  -  USING BANK CRM SYSTEMS
11/13/2006  -  HOSPITALITY LENDING
11/10/2006  -  FISHING FOR CUSTOMERS
11/09/2006  -  PUZZLING ADVICE
11/08/2006  -  RISK MANAGEMENT
11/07/2006  -  MOUNTAIN OF WISDOM
11/06/2006  -  LEMMINGS
October, 2006
10/30/2006  -  IT IS EASY BEING GREEN
10/27/2006  -  CREDIT MIGRATION
10/18/2006  -  LOOKING UP EFFICIENCY
10/17/2006  -  BANKING AND MOVIES
10/16/2006  -  DEVILISH PREDICTION
10/13/2006  -  MIXING BOARDS AND CEOs
10/12/2006  -  BRANCH SALES
10/11/2006  -  ARRESTING ID THEFT
10/06/2006  -  LIQUIDITY EXPOSURE
September, 2006
09/28/2006  -  LIKE PULLING TEETH
09/27/2006  -  BRANCHING MANIA
09/21/2006  -  BANK LOYALTY PROGRAMS
09/19/2006  -  LOAN PRICING
09/18/2006  -  LOAN PRICING
09/15/2006  -  RISK-ADJUSTED RIDE
09/14/2006  -  RISK VS RETURN
09/13/2006  -  RETURN ON EQUITY
09/12/2006  -  NIM IS OVERRATED
09/11/2006  -  WE WILL NEVER FORGET
August, 2006
08/28/2006  -  BOOSTING FEE INCOME
08/25/2006  -  ARMY ANTS AND BANKING
08/24/2006  -  WALKING THE WING OF RISK
08/23/2006  -  BANKING SECRETS UNMASKED
08/22/2006  -  TIME TO CHANGE CHANNELS
08/21/2006  -  FIRST FLOOR PLEASE
08/14/2006  -  MOM ON YOUR FUTURE
08/11/2006  -  QUANTIFYING HERSTATT RISK
08/10/2006  -  FORGET THE COMPETITION
08/09/2006  -  FROM HERE IT GETS TRICKY
08/08/2006  -  TOO MANY BRANCHES?
July, 2006
07/13/2006  -  THE 20-SOMETHING BUNDLE
07/12/2006  -  A SHOCKWAVE IS COMING
07/10/2006  -  YELLOW CARDING CUSTOMER FEES
07/07/2006  -  BREAK DOWN THE SILOS
07/06/2006  -  BETTING ON DEPOSITS
June, 2006
06/30/2006  -  TARGETED MARKETING
06/29/2006  -  LOOKING FARTHER AHEAD
06/22/2006  -  SKIPPING STONES
06/21/2006  -  SAWING THROUGH NIM
06/20/2006  -  HAMMERING NIM
06/19/2006  -  Painful Tendencies
06/16/2006  -  Painting By Numbers
06/15/2006  -  BATTERED ABOUT
06/14/2006  -  LEVERAGING DEPOSIT MARKETS
06/13/2006  -  THE SMALL BUSINESS
06/06/2006  -  Devilish Details
06/05/2006  -  MORE YIELD MAINTENANCE
06/02/2006  -  INVENTION IN BANKING
May, 2006
05/31/2006  -  THE COST OF WAITING
05/30/2006  -  QUALIFIED HIRING
05/26/2006  -  SHOCKING DEVELOPMENT
05/22/2006  -  SETTING THE RIGHT TIER?
05/19/2006  -  SOFT LANDING OR HARD?
05/16/2006  -  A REFERRAL PROGRAM
05/15/2006  -  THE BANK LOBBY
05/12/2006  -  THE COMMERCIAL LOAN WHALE
05/11/2006  -  SWEET 16
05/10/2006  -  FACT OR FICTION
05/09/2006  -  PRECISION MARKETING STRATEGY
05/08/2006  -  PLAYING WITH MONEY
05/05/2006  -  VIVA PRICING BALANCE
05/02/2006  -  KEEP THE CHANGE
April, 2006
04/28/2006  -  SPRING POLICY CLEANING
04/26/2006  -  IF WE PEAKED, WHAT NEXT?
04/25/2006  -  FUNDING TACTICS - PART II
04/24/2006  -  FUNDING STRATEGIES
04/21/2006  -  THE POWER TO MOVE
04/20/2006  -  SPRING BRINGS GROWTH
04/19/2006  -  THE END IS NEAR
04/12/2006  -  HOW NOT TO BE #1
04/11/2006  -  HOTEL LENDING
04/10/2006  -  PREDICTING THE FUTURE
04/07/2006  -  HIGHER PERFORMANCE
04/06/2006  -  FEEDING TIME
04/05/2006  -  REAL LIFE CREDIT SHOCK
04/04/2006  -  OF CATS AND FIXED RATE LOANS
04/03/2006  -  THE WINDOW OF BANK CAPITAL
March, 2006
03/31/2006  -  CUSTOMER ACQUISITION
03/30/2006  -  ALPHABET SOUP
03/29/2006  -  A FEW MORE STEPS TO GO
03/28/2006  -  TRUE STORY
03/27/2006  -  SHOUTING ABOUT M&A
03/20/2006  -  WHAT BUSINESS ARE YOU IN?
03/17/2006  -  ST PATRICK'S DAY
03/16/2006  -  BEHAVIORAL PSYCHOBABBLE
03/15/2006  -  FOCUSING IN
03/14/2006  -  LEAKY FAUCET
03/13/2006  -  ISDA LITE
03/10/2006  -  MATERIAL ADVERSE CHANGE
03/08/2006  -  GOING AFTER SMALL BUSINESS
03/06/2006  -  LOAN GRADES
03/03/2006  -  Segmenting Customers
February, 2006
02/28/2006  -  KNOW YOUR CUSTOMER
02/27/2006  -  ROLE OF THE CFO
02/22/2006  -  THE RITZ-CARLTON WAY
02/21/2006  -  CREDIT RELATIVITY
02/16/2006  -  HEDGING Q&A
02/15/2006  -  NO MORE BETS
02/13/2006  -  PROPER JUMPING TECHNIQUE
02/10/2006  -  SWITCHING UP
02/09/2006  -  IN SAM WE TRUST
02/08/2006  -  THE LOAN PRICING CHIMP
02/07/2006  -  SLICING AND DICING CUSTOMERS
02/06/2006  -  SUPER BRANDING
02/03/2006  -  FORMULATING A GOOD IDEA
02/02/2006  -  GROUNDHOG DAY
02/01/2006  -  HANDING OFF THE BATON
January, 2006
01/30/2006  -  ELECTRONIC NEWSLETTER
01/27/2006  -  WHY CUSTOMERS ARE A BEAR
01/26/2006  -  OF CIRCUS TENTS AND BANKS
01/25/2006  -  BANKING CLOWNS
01/24/2006  -  INTO THE CANNON
01/23/2006  -  HIGH WIRE ACT
01/20/2006  -  JUGGLING LIABILITIES
01/19/2006  -  YOUR NEXT CORPORATE OFFSITE
01/18/2006  -  GOING PRIVATE
01/17/2006  -  LOANS AND TIME
01/12/2006  -  NEW CUSTOMERS
01/11/2006  -  PLAYING THE LOTTERY
01/10/2006  -  LENDING THIS YEAR
01/09/2006  -  THE RULE OF AGREEMENT
01/06/2006  -  SAVING HEARTS AND CREDIT
01/05/2006  -  THE TAYLOR RULE
01/04/2006  -  iPOD BANKING
01/03/2006  -  HAPPY NEW YEAR!
December, 2005
12/30/2005  -  2006 LOOK AHEAD
12/29/2005  -  MODEL GOVERNANCE
12/28/2005  -  CLASSICS
12/27/2005  -  LET'S TALK ABOUT IT
12/23/2005  -  'TWAS A HOLIDAY THANK YOU
12/22/2005  -  'TIS THE SEASON
12/20/2005  -  DEAL OR NO DEAL
12/16/2005  -  ON THE CHIN
12/15/2005  -  LEMONADE FROM LEMONS
12/14/2005  -  ROULETTE WHEEL SPINNING
12/02/2005  -  PROJECTING
12/01/2005  -  CUSTOMER MAD DASH
November, 2005
11/30/2005  -  NANO CUSTOMERS
11/29/2005  -  INFLATION MEASUREMENT
11/28/2005  -  OLD BANK ANALYSIS
11/25/2005  -  BEHAVING LIKE A TURKEY
11/23/2005  -  CORRELATION
11/10/2005  -  METEOR CRATERS AND LENDING
11/09/2005  -  BIRD FLU MODELING
11/08/2005  -  BANKS VS AIRLINES
11/07/2005  -  BALANCING SCORECARDS
11/04/2005  -  SELLING YOURSELF
11/03/2005  -  WE NEED MORE TYING
October, 2005
10/31/2005  -  A SCARY DAY
10/28/2005  -  THE TIME MACHINE
10/26/2005  -  ADULT LEARNING PROCESS
10/25/2005  -  WHO IS BERNANKE?
10/20/2005  -  ADDICTION
10/19/2005  -  REFINANCING RISK
10/18/2005  -  THE RISK OF IOs
10/14/2005  -  ECONOMIC ERUPTION
10/13/2005  -  FIRING MISSILES
10/12/2005  -  NOBEL PRIZE WINNERS
10/11/2005  -  CUCKOO
10/06/2005  -  MERGER MATH
10/05/2005  -  THE ACQUISITION EQUATION
September, 2005
09/30/2005  -  ANOTHER KEY TO SUCCESS
09/29/2005  -  SEPARATING WHEAT FROM CHAFF
09/28/2005  -  INFORMATION SECURITY
09/27/2005  -  FUNDING CAN BE NUTS
09/26/2005  -  CRAZY LIKE A FOX
09/23/2005  -  CURVE BALL
09/14/2005  -  BRING THE HEAT
09/13/2005  -  THE BUZZ
09/12/2005  -  BEER AND BANKING
09/02/2005  -  THE AFTERMATH
August, 2005
08/31/2005  -  TRAIN WRECK
08/29/2005  -  CAUGHT IN THE TENTACLES
08/25/2005  -  BEST PRACTICES - ALCO
08/24/2005  -  ALCO MEETINGS
08/23/2005  -  CELL PHONES AND LENDING
08/22/2005  -  IMPROVING EFFICIENCY
08/05/2005  -  BRAIN SCANNING
08/04/2005  -  PREDICTIVE COMPUTING POWER
08/03/2005  -  PREDICTIVE CERTAINTY
08/02/2005  -  GOING INVERTED
08/01/2005  -  ASSUME
July, 2005
07/28/2005  -  THE PHYSICS OF DEPOSIT DECAY
07/27/2005  -  LOVE AND BANKING
07/26/2005  -  THE FACE OF CAPITAL
07/25/2005  -  ARMSTRONG ON MANAGEMENT
07/22/2005  -  BOOMER LEVERAGE
07/20/2005  -  SUPREME COURT V FOMC
07/19/2005  -  COMFORTING DATA
07/18/2005  -  LEARNING TO SHAVE
07/15/2005  -  THE CULT OF THE PERSONALITY
07/13/2005  -  LOOKING AHEAD
07/12/2005  -  ROCK STARS
07/07/2005  -  LOAN HEDGING WEBINAR
07/06/2005  -  FISHING FOR CUSTOMERS
June, 2005
06/24/2005  -  MORE-ON SOX
06/23/2005  -  INVESTING TIME
06/22/2005  -  LENDING IN TOP HATS
06/20/2005  -  SMART LENDING
06/16/2005  -  HERE COMES THE JUDGE
06/15/2005  -  ACTIVE CREDIT MANAGEMENT
06/14/2005  -  A BRAND PLAN
06/10/2005  -  INTEREST RATE UPDATE
06/09/2005  -  CUTTING HEALTHCARE COSTS
06/08/2005  -  BANKING EMPLOYMENT
06/07/2005  -  POWER OF EMAIL
06/06/2005  -  BALANCING RISKS
06/01/2005  -  DEEP THROAT
May, 2005
05/31/2005  -  THE ROLE OF LTV
05/27/2005  -  COMPETITORS AND MARKETING
05/24/2005  -  HOUSING BUBBLE
05/23/2005  -  DRIVING THE YIELD CURVE
05/12/2005  -  CREDIT LINES
05/11/2005  -  MORE CRE DISCUSSION
05/10/2005  -  COMMERCIAL REAL ESTATE
05/09/2005  -  HAMMER OR SCREWDRIVER
April, 2005
04/29/2005  -  FUNDING AND LENDING
04/28/2005  -  BOOMER PUZZLE
04/27/2005  -  JUDGING HOUSING
04/26/2005  -  RISK OR OPPORTUNITY
04/25/2005  -  THE GAME IS ON
04/22/2005  -  MULTIPLE CREDIT BUCKETS
04/15/2005  -  TAX TIME
04/14/2005  -  SOX AND BOARD INDEPENDENCE
04/13/2005  -  BRANCHES
04/12/2005  -  CROSSING THE FINISH LINE
04/11/2005  -  CUSTOMER PUZZLE
04/08/2005  -  BEAUTIFUL CURVES
04/07/2005  -  BANKING ON VOIP
04/05/2005  -  HELPING CLIENTS AND AMERICA
04/04/2005  -  MISTAKEN INDEXED DEPOSITS
04/01/2005  -  REGULATORY CHANGES
March, 2005
03/31/2005  -  KEEPING CUSTOMERS
03/30/2005  -  FAILURE OR RECOVERY
03/28/2005  -  CASH FLOW IDENTITY
03/25/2005  -  BANK BLOGGING
03/24/2005  -  BOOK 'EM DANNO
03/23/2005  -  BANKS AND THE FOMC
03/21/2005  -  DRIFTING AROUND
03/15/2005  -  YOUR HOST, JOHN McLAUGHLIN
03/14/2005  -  CFO CONFERENCE MADNESS
03/11/2005  -  TAMING INTEREST RATE RISK
03/10/2005  -  INTEREST RATE RISK
03/09/2005  -  SPEEDING BULLET
03/08/2005  -  OVERHEAD BIN
03/07/2005  -  SIX SIGMA ADOPTION
03/04/2005  -  YIELD CURVE BELLY DANCING
03/03/2005  -  COMO ESTA USTED?
03/02/2005  -  GETTING SPELLBOUND AT ALCO
February, 2005
02/25/2005  -  REGULATORY FOCUS
02/24/2005  -  ALL ABOUT LUCK
02/23/2005  -  AVOIDING A STUBBED TOE
02/22/2005  -  MODEL REVIEW
02/18/2005  -  THE AGENCY MARKET
02/16/2005  -  COMPETING IN SHAPE
02/15/2005  -  FLATTENING IN TIME
02/14/2005  -  MAKING ALL THE RIGHT MOVES
02/11/2005  -  Pac-Man
02/10/2005  -  TOO BIG TO FAIL
02/09/2005  -  CLONING THE BANK
02/08/2005  -  BON TEMPS ROULEZ
02/07/2005  -  LESS THAN A YEAR REMAINS
02/04/2005  -  SUPER BOWL BANK MANAGEMENT
02/03/2005  -  TACTICAL PHISH DEFENSE
02/02/2005  -  SEPARATED AT BIRTH?
02/01/2005  -  LOAN ALLOWANCE FORECAST
January, 2005
01/31/2005  -  GIRL SCOUTS AND DEPOSITS
01/28/2005  -  EXPENSIVE PROBLEM
01/25/2005  -  BORROWING MONEY
01/18/2005  -  CHICKEN TRAINING DEPOSITORS
01/14/2005  -  PASSWORD RISK
01/04/2005  -  THE ECONOMIC FUTURE OF 2005
01/03/2005  -  BANK PERFORMANCE IN 2004
December, 2004
12/31/2004  -  2005 PREDICTIONS
12/30/2004  -  PASSING JUDGEMENT FOR MONEY
12/29/2004  -  LOAN BOARD APPROVAL
12/28/2004  -  INCREASING LIQUIDITY
12/27/2004  -  LEARNING FROM THE ARMY
12/23/2004  -  REGIFTING
12/22/2004  -  OF EARTHQUAKES AND ROA
12/21/2004  -  OLD MAN WINTER
12/20/2004  -  MERGER DRUM
12/17/2004  -  INTERESTING STORY
12/16/2004  -  REINDEER GAMES
12/14/2004  -  'TIS THE SEASONING
12/13/2004  -  LAYOFFS ON EQUITY
12/10/2004  -  NO, NO, NO OR YES, YES, YES
12/09/2004  -  TRAVELING INTO NEXT YEAR
12/08/2004  -  MANAGING SHAREHOLDER RETURN
12/07/2004  -  INNOVATE BEYOND THE CUSTOMER
12/06/2004  -  SANTA'S HELPER
12/02/2004  -  BRAIN FOOD - HYBRID ARMS
12/01/2004  -  BANKING ON INSURANCE
November, 2004
11/24/2004  -  THANKSGIVING
11/23/2004  -  GIFT GIVING
11/22/2004  -  CLEANING UP EXPOSURES
11/19/2004  -  LEARNING TO MAKE MISTAKES
11/17/2004  -  SPREADING FEAR
11/16/2004  -  FASTER WITH KEYHOLE
11/11/2004  -  BACK UP THE TRUCK
11/10/2004  -  FUN IN 2005
11/09/2004  -  GREAT COACHING
11/08/2004  -  FROSTING THE CAKE
11/05/2004  -  MEASUREMENT STICKS
11/04/2004  -  LOAN CREDIT SHOCK ANALYSIS
11/02/2004  -  STAYING ON MESSAGE
11/01/2004  -  PURCHASING GROWTH
October, 2004
10/25/2004  -  CREDIT MIGRATION
10/22/2004  -  BANK EARNINGS
10/21/2004  -  A MOUSE IN YOUR HOUSE
10/20/2004  -  HEDGING RISK
10/19/2004  -  CAPPING THE WELL
10/18/2004  -  SIDEWALK DRIFTING
10/15/2004  -  MEET ED KOFMAN
10/14/2004  -  THE HALL OF FAME TERM SHEET
10/13/2004  -  MORE LOANS AND DEPOSITS
10/12/2004  -  CRAZY INVESTING
10/08/2004  -  SHERIFF JOE AND BANKING
10/07/2004  -  TRAVELING FOOLS
10/06/2004  -  DRIVING RISK MANAGEMENT
10/05/2004  -  THE HAND THAT MOVES BANKING
10/04/2004  -  HISTORICAL FODDER
10/01/2004  -  EXTINCTION
September, 2004
09/27/2004  -  PEOPLE ARE OVERRATED
09/24/2004  -  BLUE HAIR RISK
09/23/2004  -  FED FUNDS SOLD LEVELS
09/22/2004  -  ECONOMY AND TRADING
09/21/2004  -  CAN WE EARN YOUR BUSINESS?
09/20/2004  -  VALUE, VALUE & VALUE
09/17/2004  -  PADDLING ALONG
09/16/2004  -  FALCONS AND BANKING
09/15/2004  -  QUANTIFYING HERSTATT RISK
09/09/2004  -  MUD SLIPPAGE
09/08/2004  -  BID CONSTRUCTION
09/07/2004  -  WORKING THROUGH THE WEB
09/01/2004  -  MORE CUSTOMERS
August, 2004
08/31/2004  -  LOOPING BACK THE OTHER WAY
08/30/2004  -  GAMBLING OR PLAYING
08/27/2004  -  DEPOSIT EMISSION TESTING
08/23/2004  -  POLICING CD PROMOTIONS
08/20/2004  -  COMING INTO FOCUS
08/19/2004  -  DRIVE THE GREEN OR PUNCH OUT
08/18/2004  -  GET SMART
08/17/2004  -  DEPOSIT PRICING
08/16/2004  -  LIFTING A LOT OF WEIGHT
08/10/2004  -  TRIMMING FOR GROWTH
08/09/2004  -  THAT 70'S SHOW
08/06/2004  -  A LESSON FROM A PEER GROUP
08/05/2004  -  PEER REFLECTIONS
08/04/2004  -  THE XXX OF ACCOUNTING
08/03/2004  -  EARNINGS ROUNDUP
July, 2004
07/30/2004  -  PASSING MATH CLASS
07/29/2004  -  HISTORICAL REVIEW
07/28/2004  -  RED FLAG AWARENESS
07/27/2004  -  PLAYING BLACKJACK TO WIN
07/26/2004  -  BANK TECHNOLOGY REGULATION
07/23/2004  -  THINKING ABOUT RISK
07/22/2004  -  ONION PEELING
07/21/2004  -  DIAMOND IN THE ROUGH
07/20/2004  -  HARD HATS AND SHARKS
07/19/2004  -  BORED NO LONGER
07/16/2004  -  LOAN DURATION COMPONENTS
07/15/2004  -  THE END OF AN ERA
07/09/2004  -  PUZZLING OVER PROFITABILITY
07/08/2004  -  DEAL MAKING IN MOTION
07/07/2004  -  GETTING YOUR ATTENTION
07/06/2004  -  MAKING LEMONADE FROM LEMONS
07/02/2004  -  CONSISTANCY IN DIRECTIVES
June, 2004
06/22/2004  -  RISK IN REAL ESTATE LOANS
06/21/2004  -  RATE FORECASTING
06/18/2004  -  FROM THE TOOLBOX
06/17/2004  -  COUNTDOWN TO LAUNCH
06/16/2004  -  POWERFUL
06/15/2004  -  OF BLACK BOXES
06/09/2004  -  LEARNING FROM THE STREETS
06/08/2004  -  BANK PRICING MODELS
06/07/2004  -  PRIVATE BANKING